crisis loans

  • Local welfare assistance: resources


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    Need other ways to get help in an emergency?

    See this blog and scroll down to the heading, Short-term benefit advances and other emergency provision

  • Short-term benefit advances


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    Short-term benefit advances (STBAs) are small, repayable loans of future entitlement to certain benefits. They are for claimants who are in financial need due to delay in paying their benefit.

  • Universal Credit Advances


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    The rules about advance payments of Universal Credit (UC) are similar to the rules about short-term benefit advances of other benefits.

  • Local welfare assistance schemes


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    Your local welfare assistance scheme (LWAS) can help you if you are in urgent need following an emergency or unforeseen event and have no other source of help. The schemes are run by local councils and they vary. You may be able to get vouchers to pay for food, fuel or clothing or bigger basic living items such as beds, cookers and fridges. You can’t usually get cash.

  • Examples of how short-term benefit advances are claimed and repaid


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    Here are examples1 of how much short-term benefit advance (STBA) you can get and how DWP can recover the loan from you.

  • Northern Ireland


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    Community care grants and crisis loans are no longer availabe in Northern Ireland but people experiencing a financial crisis can apply for Discretionary Help from the Finance Support Service.

    According to the nidirect website, Discretionary Support provides quick, short-term financial support and -

  • Local Welfare Assistance Schemes A-Z


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    Use the A-Z links below to search for local welfare assistance schemes under the name of the council area where you live if you live in England or Scotland. 

  • Guide to welfare reforms for local authority staff and their partners


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    A (long) plain language guide to welfare reforms for local authority staff and their partners

    A wide reaching programme of welfare reform is underway that will have a significant impact on child poverty levels across local authorities. The scope of the welfare reform programme is broad, and a number of reforms will affect a variety of family types, and for many households, these effects will be cumulative.

  • Welfare reform in 2013

    Issue 233 (April 2013)
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    2013 is a landmark year in welfare reform. Simon Osborne outlines the main changes.

  • What is replacing the social fund?

    Issue 233 (April 2013)
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    David Simmons looks at alternative provision following the abolition of the discretionary social fund (SF) from 1 April 2013.